RCF-1 Roof Condition Certification Form — Done in the App

What the RCF-1 Is — and When Carriers Require It

The RCF-1 Roof Condition Certification Form is the Citizens Property Insurance document that certifies the state of a home's roof for underwriting. Where the 4-Point inspection gives a carrier a summary of four systems, the RCF-1 zeroes in on one: the roof. It records the covering, age, remaining useful life, permit and update history, overall condition, and any damage, deterioration, or active leaks — the facts an underwriter uses to decide whether a roof is insurable and for how long.

Carriers most commonly ask for an RCF-1 when a roof is older, when its age can't be confirmed from records, or when a 4-Point roof section raises a flag. It typically shows up at new-business binding or at renewal, when Citizens wants written confirmation that the roof has enough remaining useful life to carry the policy term. Because several revisions of the RCF-1 have circulated over the years, always complete the exact version the carrier requests for that assignment. InspectorData tracks the current forms so you're never certifying on a stale template.

The Fields on the RCF-1

The RCF-1 asks you to certify the roof in structured detail. InspectorData mirrors these fields on screen so nothing gets skipped:

• Predominant roof — covering type (shingle, tile, metal, membrane), installed age, and estimated remaining useful life.
• Secondary roof — the same covering, age, and remaining-life detail for any additional roof section (flat porch, addition, carport).
• Permit and update dates — the date the roof was last permitted, replaced, or updated, matched to public records where available.
• Overall roof condition — a certified rating of the roof's present state.
• Damage and deterioration — documentation of wear, cracked or missing coverings, and structural concerns.
• Leaks — any evidence of past or active water intrusion tied to the roof.
• Roof-slope photos — images of each slope plus close-ups that visually support every rating above.

Who Can Sign the RCF-1

Citizens accepts an RCF-1 signed by a qualified professional. Depending on the carrier's acceptance rules for a given assignment, that can include a Florida-licensed contractor, a licensed architect, a licensed professional engineer, a building-code official, or a home inspector licensed under Florida law. The signer certifies the roof facts from a physical observation, so the photos and field notes have to back up the ratings. InspectorData stamps your license details and timestamps the photo set, giving you a clean, defensible certification record if an underwriter asks how a rating was reached.

How the RCF-1 Pairs with the 4-Point

The Florida 4-Point form (Citizens code Insp4pt 03 25) covers Electrical, HVAC, Plumbing, and Roof. The March 2025 Citizens update tightened it — adding a mandatory TPR-valve photo on water heaters, a requirement that single-strand aluminum wiring remediation be certified by a licensed electrician, and new PEX install-year and piping-age fields. The roof section of the 4-Point is a summary; when it raises a question, or when the carrier wants deeper roof detail, the RCF-1 supplies the dedicated certification.

Because both forms describe the same roof, doing them in two disconnected tools means shooting and labeling the roof twice. In InspectorData you inspect once: the roof photos and notes flow into both the 4-Point roof section and the RCF-1, so the covering, age, and condition stay consistent across the pair. If you also handle wind mitigation, the same visit feeds your wind mitigation (OIR-B1-1802) work, keeping one roof story across every Florida carrier form.

How AI Fills the RCF-1 — and Nails the Roof-Slope Photos

InspectorData turns the RCF-1 from a manual PDF into a guided, photo-driven flow:

The roof-slope photo set

Underwriters generally expect a clear image of each roof slope plus close-ups showing the covering type, its condition, and any damage or deterioration. InspectorData prompts you for the standard slope coverage as you work and won't let a thin photo set slip through. That single check — missing slope photos — is one of the most common reasons a roof certification gets kicked back, and the gate exists to stop it.

Why Florida Inspectors Run RCF-1 on InspectorData

It's an all-in-one, flat-rate platform built for Florida carrier work. You get one price with the AI included — no per-inspector fee, no 3.95% surcharge on client card payments, no $4-per-report upsell to unlock the good features, and no third-party ads dropped into your client's portal. Add the RCF-1, 4-Point, and wind mitigation forms to the same job and deliver a single, branded package. See the full Florida home inspection software lineup for how the state-specific forms fit together.

RCF-1 Frequently Asked Questions